Transaction Analysis for Multiple Entities

This is a continuation of U.S. patent application Ser. No. 18/309,098, filed Apr. 28, 2023, and titled “TRANSACTION ANALYSIS FOR MULTIPLE ENTITIES,” the entirety of which is incorporated herein by reference.

The present disclosure relates generally to providing transaction information and, more particularly (although not necessarily exclusively), to facilitating transaction analysis for multiple entities.

Users may initiate transactions of resources using transaction systems. The transaction system may predict future transactions and amounts of resources available to the user for the transactions. The resources associated with the expected transactions can be obtained using various channels such as via online deposits channels, wire transfer channels, and other electronic resource transfer channels. Thus, the transaction system may provide insight into expected transactions for various channels.

In one example, a system includes a processing device and a memory device that includes instructions that are executable by the processing device to cause the processing device to perform operations. The operations include storing, by a multi-channel adapter, at least one parameter defining data requested by a client device. The operations further include receiving, by the multi-channel adapter, the data from at least one interaction channel in response to a request for the data, the data satisfying the at least one parameter. Additionally, the operations include receiving, by the multi-channel adapter, a processing time that is a length of time for the multi-channel adapter to receive the data from the at least one interaction channel and determining, by the multi-channel adapter, that the processing time exceeds a processing time threshold. The operations include, in response to determining that the processing time exceeds the processing time threshold, adjusting, by the multi-channel adapter, the at least one parameter to reduce a subsequent processing time for the multi-channel adapter to receive second data from the at least one interaction channel and reduce latency in the multi-channel adapter receiving the second data as compared to a latency without adjusting the at least one parameter. The operations also include, subsequent to adjusting the at least one parameter, receiving, by the multi-channel adapter, the second data from the at least one interaction channel, the second data satisfying the adjusted at least one parameter and causing, by the multi-channel adapter, a display of the second data at a user interface of the client device.

In another example, a computer-implemented method includes storing, by a multi-channel adapter, at least one parameter defining data requested by a client device. The computer-implemented method further includes receiving, by the multi-channel adapter, the data from at least one interaction channel in response to a request for the data, the data satisfying the at least one parameter. Additionally, the computer-implemented method includes receiving, by the multi-channel adapter, a processing time that is a length of time for the multi-channel adapter to receive the data from the at least one interaction channel and determining, by the multi-channel adapter, that the processing time exceeds a processing time threshold. The computer-implemented method includes, in response to determining that the processing time exceeds the processing time threshold, adjusting, by the multi-channel adapter, the at least one parameter to reduce a subsequent processing time for the multi-channel adapter to receive second data from the at least one interaction channel and reduce latency in the multi-channel adapter receiving the second data as compared to a latency without adjusting the at least one parameter. The computer-implemented method also includes, subsequent to adjusting the at least one parameter, receiving, by the multi-channel adapter, the second data from the at least one interaction channel, the second data satisfying the adjusted at least one parameter and causing, by the multi-channel adapter, a display of the second data at a user interface of the client device.

In another example, a non-transitory computer-readable medium includes instructions that are executable by a processing device for performing operations. The operations include storing, by a multi-channel adapter, at least one parameter defining data requested by a client device. The operations further include receiving, by the multi-channel adapter, the data from at least one interaction channel in response to a request for the data, the data satisfying the at least one parameter. Additionally, the operations include receiving, by the multi-channel adapter, a processing time that is a length of time for the multi-channel adapter to receive the data from the at least one interaction channel and determining, by the multi-channel adapter, that the processing time exceeds a processing time threshold. The operations include, in response to determining that the processing time exceeds the processing time threshold, adjusting, by the multi-channel adapter, the at least one parameter to reduce a subsequent processing time for the multi-channel adapter to receive second data from the at least one interaction channel and reduce latency in the multi-channel adapter receiving the second data as compared to a latency without adjusting the at least one parameter. The operations also include, subsequent to adjusting the at least one parameter, receiving, by the multi-channel adapter, the second data from the at least one interaction channel, the second data satisfying the adjusted at least one parameter and causing, by the multi-channel adapter, a display of the second data at a user interface of the client device.

Certain aspects and examples of the present disclosure relate to a system and method for facilitating transaction analysis for multiple entities. The system can generate a real-time connection with various interaction channels and selectively retrieve data from the interaction channels. The system may selectively retrieve the data based on parameters that can be tailored to provide seamless communication with the interaction channels and further tailored based on client preferences. By way of one example, the system can automatically detect that the data retrieved from the interaction channels is associated with multiple entities. The system may further detect a unique identifier of each entity in the data and automatically generate a file for each entity that contains the data associated with each entity to enable transmission of the data for multiple entities to a client device. Certain examples provide a multi-channel adapter that can increase processing speed of data from the interaction channels by selectively retrieving the data and by enabling the processing of data from multiple entities.

In some examples, the interaction channels can be transaction channels containing transaction data. Examples of transaction channels may include Automated Clearing House (ACH), Online Deposit, Wire Transfer, Lockbox, Remote Deposit Capture, etc. Additionally, the multi-channel adapter can store parameters associated with the transaction channels. For example, the multi-channel adapter can store a threshold for each transaction channel, which can be a number of accounts the multi-channel adapter is capable of retrieving data for in a request. The multi-channel adapter can further store parameters according to user preferences. For example, the user preferences can indicate a type of transaction data desired from each of the transaction channels. The type of transaction data can be unique for each transaction channel and each transaction channel can include various types of transaction data. For example, a first type of transaction data can for wire transfers can be domestic wire transfers and a second type of transaction data for wire transfers can be international wire transfers. Additionally, for ACH a third type of transaction data can be for credit transactions and a fourth type of transaction data can be for debit transactions. Thus, the multi-channel adapter can transmit requests for data based on the parameters to facilitate selective and efficient transmission of the data to the client device. The multi-channel adapter can further facilitate analysis of the data at the client device by retrieving the data according to the user preferences.

Additionally, the multi-channel adapter can detect unique identifiers in the data. In some examples, the unique identifiers can be routing transit (RT) numbers or American Bankers Association (ABA) numbers that can be used to identify a bank or other suitable financial institution. The client device may be unable to identify or otherwise ingest data with more than one unique identifier in a single file. So, in response to a request for data, the multi-channel adapter can retrieve transaction data for a first transaction and a second transaction. The first transaction can be initiated via electronic fund transfer and the first transaction data retrieved can include a first account number and a first RT number. The second transaction may also be initiated via electronic fund transfer and second transaction data retrieved can include a second account number and a second RT number. The multi-channel adapter can detect that the first RT number and the second RT number are different and can automatically generate a first file containing the first transaction data and a second file containing the second transaction data.

Once divided, the files can be transmitted successfully to the client device and the files can be used by the client device to analyze account activity. For example, the client device can analyze account activity by viewing values for the first and second transactions as included in the first and second files. Additionally, in some examples, the multi-channel adapter may analyze account activity using the transaction data. For example, the multi-channel adapter may determine which of the interaction channels produce the most data, which types of data are most useful for the client, detect changes in transaction volume or processing time for the data, or perform other suitable analysis of the transaction data.

Illustrative examples are given to introduce the reader to the general subject matter discussed herein and are not intended to limit the scope of the disclosed concepts. The following sections describe various additional features and examples with reference to the drawings in which like numerals indicate like elements, and directional descriptions are used to describe the illustrative aspects, but, like the illustrative aspects, should not be used to limit the present disclosure.

1 FIG. 100 100 102 122 116 116 a b a b is a block diagram of an example of a systemfor facilitating transaction analysis for multiple entities according to one example of the present disclosure. The systemcan include a multi-channel adapterthat can be communicatively coupled with a client deviceand interaction channels-. In some examples, the interaction channels-can be transaction channels (e.g., payment systems or payment applications) that can be used to carry out transactions. Examples can include Automated Clearing House (ACH), Lockbox, Online Bill Consolidator, Remote Deposit, etc.

100 102 104 106 122 106 106 124 122 104 123 122 The systemmay store, by the multi-channel adapter, parameters, which can define datarequested by the client device. In some examples, the datacan be transaction data extracted from the transaction channels. Examples of transaction data may include an amount of resources associated with a transaction, a time stamp for which the transaction was initiated, or other suitable transaction data. To specify the datathat can be useful for analysis of account activity, the client devicecan receive the parametersfrom a client via the user interfaceof the client device. The client can be a financial institution, an employee of the financial institution, or another suitable entity or user.

104 116 116 118 116 116 104 116 116 104 116 a b a b a b a b a a b b The parameterscan include parameters unique to each of the interaction channels-. The parameters unique to each of the interaction channels-can be associated with types of data-found in the interaction channels-. For example, a first interaction channelcan be associated with wire transfers. The parametersfor the first interaction channelcan include wire type codes, transaction type codes, or other suitable parameters for the wire transfers. Additionally, a second interaction channelcan be ACH, which can be a computer-based electronic network for processing transactions. The parametersfor the second interaction channelcan include standard entry class codes, service class codes, transaction codes, or other suitable parameters for transactions initiated via ACH.

104 116 122 123 102 116 104 122 102 106 116 122 116 106 116 106 116 a a a b a b a b a b. The parameterscan be set based on user preferences. For example, the transaction type codes for the first interaction channelcan be types of wire transactions such as domestic wire transfers, international wire transfers, or other suitable wire transfers. Thus, the client devicecan receive, via the user interface, which transaction type codes can be retrieved by the multi-channel adapterfrom the first interaction channel. By storing the parametersreceived by the client device, the multi-channel adaptercan continuously and selectively retrieve the datafrom the interaction channels-in response to requests from the client devicewith low latency. Additionally, the interaction channels-can retrieve the datafrom the interaction channels-in real-time, such as within five minutes of the databecoming available in the interaction channels-

104 122 106 122 123 102 104 106 Additionally or alternatively, the parameterscan include sets of accounts for which the client devicecan request the data. For example, the client devicecan be associated with a first set of accounts that can receive transactions via wire transfers and a second set of accounts that can receive transactions via ACH. In some examples, at least a portion of the first set of accounts and the second set of accounts can be the same. The sets of accounts can also be provided via the user interface. The multi-channel adaptercan store the sets of accounts as part of the parametersto continuously retrieve the dataassociated with the sets of accounts.

102 120 116 106 102 120 116 120 116 118 120 116 118 120 104 120 102 a b a b a b a b a a a b b b a b a In some examples, the multi-channel adaptercan execute application programming interface (API) calls-to the interaction channels-to cause retrieval of the databy the multi-channel adapter. The API calls-can be unique for each interaction channel-. For example, a first API callfor the first interaction channelcan request a first type of datafor wire transfers, while a second API callfor a second interaction channelcan request a second type of datafor ACH. The API calls-can further be unique based on the parameters. For example, execution of the first API callcan cause the multi-channel adapterto receive first data that satisfies the wire type codes, the transaction type codes, and the first set of accounts.

102 112 106 112 112 102 114 112 a b a b a b a b a b The multi-channel adaptercan further detect unique identifiers-in the in the data. The unique identifiers-can be associated with entities. In some examples, the unique identifiers-can be routing transit (RT) numbers or American Bank Association (ABA) numbers and the entities can be banks or other suitable financial institutions. The multi-channel adaptercan include entity indicators-to associate the unique identifiers-to respective entities.

102 122 120 116 120 116 120 106 104 102 106 122 102 106 112 106 122 122 112 112 122 106 122 a a b b a b a b a b In an example, the multi-channel adaptercan execute, in response to the request from the client device, the first API callto the first interaction channeland the second API callto the second interaction channel. The API calls-can cause retrieval of the datathat satisfies the parametersstored in the multi-channel adapter. The datacan be indicative of expected funds sent by a customer or other suitable entity to accounts associated with the client device. The multi-channel adaptercan detect that the dataincludes unique identifiers-. In some examples, the datawith more than one unique identifier cannot be transmitted to the client deviceor the client devicemay not be able to differentiate between data with a first unique identifierand data with a second unique identifierif the data is received by the client devicein a single file. For example, the datacan include multiple RT numbers, but the client devicemay not be able to receive data with multiple RT numbers.

112 102 110 112 110 112 110 112 102 108 110 108 110 108 110 108 114 112 108 122 a b a b a b a a b b. a b a b a a b b a b a b a b a b Therefore, in response to detecting the unique identifiers-, the multi-channel adaptercan generate subsets of data-for each of the unique identifiers-. A first subset of datacan include data associated with the first unique identifierand a second subset of datacan include data associated with the second unique identifierThe multi-channel adaptercan further generate files-for the subsets of data-. A first filecan contain the first subset of dataand a second filecan contain the second subset of data. The files-can include the entity indicators-associated with the unique identifiers-. The files-can further include an indication of being retrieved in response to the same request from the client device.

102 108 122 110 123 122 123 110 110 110 122 110 122 124 110 122 110 a b a b b a b a b a b a b a b. The multi-channel adaptercan transmit the files-to the client deviceto cause display of the subsets of data-at a user interfaceof the client device. The user interfacemay include graphs, tables, or other suitable methods of organizing and displaying the subsets of data. In some examples, the subsets of data-may be displayed, analyzed, or the like separately, or the subsets of data-can be recombined at the client deviceto be displayed, analyzed, etc. together. Additionally, the subsets of data-can be used by the client deviceto analyze account activity. For example, the subsets of data-can be indicative of funds expected to be received by a client account within a certain timeframe, such as one business day. Thus, the client devicecan generate a prediction of upcoming account activity based on the subsets of data-

2 FIG. 2 FIG. 1 FIG. 200 204 200 122 122 204 116 200 122 208 210 102 116 122 208 210 102 a b a b is an example of a user interfacefor providing parametersto facilitate transaction analysis for multiple entities according to one example of the present disclosure. Aspects ofare discussed in reference to the components shown in. The user interfacecan be a display on a client devicesuch as a laptop, tablet, or other suitable client device. In some examples, the client devicecan receive the parametersfor each of the interaction channels-from a client via the user interface. The client devicecan receive a parameter nameand a parameter valueto define data that can be retrieved by a multi-channel adapterfrom interaction channels-. The client devicecan further transmit the parameter nameand the parameter valuein a request to the multi-channel adapter.

200 204 116 206 122 206 122 122 204 102 204 106 116 204 122 204 200 102 102 120 120 102 116 106 a a b a a a a For example, the user interfacecan be used to set the parametersfor the first interaction channel. Therefore, a first parametercan be wire type codes to specify types of wire transfers for which the client devicecan request data. Additionally, a second parametercan be transaction type codes to specify transaction types for which the client devicecan request data. As a result of the client devicereceiving the parameters, the multi-channel adaptercan store the parametersand can retrieve datafrom the first interaction channelthat satisfies the parameters. Additionally, the client devicecan receive an adjustment the parametersvia the user interface, which can cause the multi-channel adapterto update the stored parameters and can further cause the multi-channel adapterto adjust a first API call. The first API callcan be a request transmitted by the multi-channel adapterto the first interaction channelfor the data.

3 FIG. 2 FIG. 300 300 200 122 106 122 102 is an example of a user interfacefor providing client preferences to facilitate transaction analysis for multiple entities according to one example of the present disclosure. The user interfacecan be a first page that can be navigated to from a second page, such as the page shown in user interfacedepicted in. For example, a client may be able to toggle between the pages on a client device. Additionally, the pages can enable the client to customize datatransmitted to the client deviceby the multi-channel adapter.

300 302 304 300 306 308 306 102 106 310 308 102 304 106 310 304 102 106 310 304 300 a g a g a The user interfacecan include a client identifierand account identifiersof accounts that are associated with the client. For each of the accounts, the user interfacecan include a first identification portionand a second identification portion. The first identification portioncan be for a RT number or ABA number. The RT numbers or ABA numbers can be unique identifiers detected by the multi-channel adapterin datafrom the interaction channels-. The second identification portioncan be an account number. In some examples, a particular RT or ABA number can be associated with multiple unique account numbers. The multi-channel adaptercan store the account identifiersand can retrieve the datafrom the interaction channels-for the accounts associated with the account identifiers. For example, a customer or other suitable user can initiate a transaction to one of the accounts via ACH. The multi-channel adaptercan automatically retrieve the datafor the transaction from a first interaction channelbased on the account identifiersprovided via the user interface.

300 314 310 304 310 102 314 a g a g The user interfacecan further include an associated accounts optionfor each of the interaction channels-to enable subsets of the account identifiersto be selected for each of the interaction channels-. The multi-channel adaptercan retrieve data for the subsets of the accounts based on selections in the associated accounts option.

300 312 106 310 300 316 122 a g Additionally or alternatively, the user interfacecan have a client channel status optionthat can be used to activate or deactivate retrieval of the datafrom the interaction channels-. The user interfacecan further have a schedule optionto enable the client deviceto request data for certain days or timeframes.

4 FIG. 4 FIG. 1 FIG. 2 3 FIGS.and 400 400 102 106 122 400 402 106 400 122 122 106 102 a b is an example of a user interfacefor facilitating transaction analysis for multiple entities according to one example of the present disclosure. Aspects ofare discussed in reference to the components shown in. The user interfacecan be an example of a display of data caused by a multi-channel adaptertransmitting datato a client device. The user interfacemay include graphs-, tables, or other suitable displays of data organization to enable analysis of the data. The user interfacecan also be associated with the user interfaces ofsuch that the client devicecan receive parameters, sets of accounts, etc. viaand can further provide the datareceived from a multi-channel adaptervia the user interfaces.

400 402 402 410 408 402 410 402 404 406 404 406 122 400 122 a a a a The user interfacecan include a first graphfor analyzing transaction volume. The first graphcan show the number of transactionsover scheduled times. For example, the first graphdepicts the number of transactionsoccurring every fifteen minutes. The first graphcan further include average transaction volumesfor comparison to selected day transaction volumes. In some examples, a difference between the average transaction volumesand selected day transaction volumescan exceed a transaction volume threshold. The transaction volume threshold may be provided by the client deviceand can be based on historical data for transaction volume. In response to the difference exceeding the transaction volume threshold, the user interfacecan generate a first alert for display on the client deviceor another computing device.

400 402 412 412 402 412 412 402 414 416 414 416 122 122 122 b b b Additionally, the user interfacecan include a second graphfor analyzing processing times. The processing timescan be time required for the multi-channel adapter to receive data from the interaction channels. The second graphcan show the processing timesover scheduled times and as compared to historical averages for the scheduled times. The processing timescan be in minutes, seconds, or hours. The second graphcan further include average processing timesfor comparison to selected day processing times. In some examples, a difference between the average processing timesand selected day processing timescan exceed a processing time threshold. The processing time threshold can be set by the client deviceand may be based on historical data indicative of processing times. For example, the average processing time associated with the multi-channel adapter retrieving data for a transaction can be ten seconds. Therefore, the processing time threshold can be, as an example, twenty minutes. In response to the difference exceeding the processing time threshold, the client devicecan generate a second alert for display on the client deviceor another computing device.

5 FIG. 500 500 503 505 503 505 510 503 505 is a block diagram of an example of a computing systemfor facilitating transaction analysis for multiple entities according to one example of the present disclosure. The systemincludes a processing devicethat is communicatively coupled to a memory device. In some examples, the processing deviceand the memory devicecan be part of the same computing device, such as the server. In other examples, the processing deviceand the memory devicecan be distributed from (e.g., remote to) one another.

503 503 503 507 505 507 The processing devicecan include one processor or multiple processors. Non-limiting examples of the processing deviceinclude a Field-Programmable Gate Array (FPGA), an application-specific integrated circuit (ASIC), or a microprocessor. The processing devicecan execute instructionsstored in the memory deviceto perform operations. The instructionsmay include processor-specific instructions generated by a compiler or an interpreter from code written in any suitable computer-programming language, such as C, C++, C#, Java, or Python.

505 505 505 505 503 507 503 The memory devicecan include one memory or multiple memories. The memory devicecan be volatile or non-volatile. Non-volatile memory includes any type of memory that retains stored information when powered off. Examples of the memory deviceinclude electrically erasable and programmable read-only memory (EEPROM) or flash memory. At least some of the memory devicecan include a non-transitory computer-readable medium from which the processing devicecan read instructions. A non-transitory computer-readable medium can include electronic, optical, magnetic, or other storage devices capable of providing the processing devicewith computer-readable instructions or other program code. Examples of a non-transitory computer-readable medium can include a magnetic disk, a memory chip, ROM, random-access memory (RAM), an ASIC, a configured processor, and optical storage.

503 207 503 502 508 512 504 503 502 512 508 506 511 512 503 502 514 512 514 516 503 502 518 514 503 502 518 514 509 504 518 504 518 504 520 The processing devicecan execute the instructionsto perform operations. For example, the processing devicecan store, by a multi-channel adapter, parametersdefining datarequested by a client device. The processing devicecan also receive, by the multi-channel adapter, the datathat satisfies the parametersfrom interaction channelsin response to a requestfor the data. The processing devicecan further detect, via the multi-channel adapter, unique identifiersin the data. The unique identifierscan be associated with entities. Additionally, the processing devicecan generate, via the multi-channel adapter, subsets of the datafor each the unique identifiers. The processing devicecan cause, via the multi-channel adapter, a display of the subsets of datafor the unique identifiersat a user interfaceof the client device. The subsets of datacan be sent to the client deviceas separate files and the subsets of datacan be used by the client deviceto analyze account activity.

6 FIG. 6 FIG. 6 FIG. 6 FIG. 1 5 FIGS.and 503 is a flowchart of process for facilitating transaction analysis for multiple entities according to one example of the present disclosure. In some examples, the processing devicecan implement some or all of the steps shown in. Other examples can include more steps, fewer steps, different steps, or a different order of the steps than is shown in. The steps ofare discussed below with reference to the components discussed above in relation to.

602 503 102 106 122 106 122 104 102 122 123 122 104 118 106 122 a b At block, the processing devicecan store, by a multi-channel adapter, at least one parameter defining datarequested by a client device. The datarequested by the client devicecan be transaction data. Additionally, the parametersstored by the multi-channel adaptercan be received by the client devicefrom a client via a user interfaceof the client device. The parameterscan specify types of data-, account numbers, etc. to define the datarequested by the client device.

604 503 102 106 106 104 116 118 102 116 118 102 116 a b a a b b. At block, the processing devicecan receive, by the multi-channel adapter, the datathat satisfies the at least one parameter from at least one interaction channel in response to a request for the data. In some examples, the parameterscan include parameters that are unique to interaction channels-. For example, a first parameter can specify a first type of datato be received by the multi-channel adapterfrom a first interaction channeland a second parameter can specify a second type of datato be received by the multi-channel adapterfrom a second interaction channel

122 106 102 102 120 116 106 102 120 116 120 116 122 104 102 102 118 102 120 102 116 a b a b a a b b a a a. Additionally, the client devicecan transmit the request for the datato the multi-channel adapter. In response, the multi-channel adaptermay execute API calls-to the interaction channels-to cause retrieval of the databy the multi-channel adapter. In an example, a first API callassociated with the first interaction channelcan be different from a second API callassociated with the second interaction channel. The client devicecan also transmit an adjustment to the parametersto the multi-channel adapter. For example, the multi-channel adaptercan receive an adjustment to the first type of data. In response, the multi-channel adaptercan adjust the first API callto cause the multi-channel adapterto receive the adjusted first type of data from the first interaction channel

606 503 102 112 106 112 112 106 102 105 112 112 a b a b a b a b At block, the processing devicecan detect, by the multi-channel adapter, unique identifiers-in the data, each unique identifier of the unique identifiers-can be associated with a different entity. The unique identifiers-can be RT number or ABA numbers and the entities can be banks or other suitable financial institutions. For example, the datareceived by the multi-channel adaptercan be indicative of expected transactions. The expected transactions can be expected to be received by a first set of accounts at a first bank and a second set of accounts at a second bank. Therefore, the datacan have a first unique identifierfor the first bank and a second unique identifierfor the second bank.

608 503 102 112 102 110 112 110 112 108 110 108 110 102 108 110 122 106 112 a b a a b b. a a b b a b a b a b. At block, the processing devicecan generate, by the multi-channel adapter, a subset of data for each unique identifier of the unique identifiers-. For example, the multi-channel adaptercan generate a first set of datafor the first unique identifierand a second set of datafor the second unique identifierThe multi-channel adapter can also generate a first filewith the first subset of dataand a second filewith the second subset of data. The multi-channel adaptercan generate the files-and the subsets of data-to enable the client deviceto receive the datathat includes multiple unique identifiers-

610 503 102 123 122 122 122 110 123 110 124 110 122 110 a b a b a b a b. At block, the processing devicecan cause, by the multi-channel adapter, a display of the subset of data for each unique identifier at the user interfaceof the client device. The subset of the data for each unique identifier can be sent to the client deviceas a separate file. The subset of data for each unique identifier may be usable by the client deviceto analyze account activity. The subsets of data-can be displayed together or separately at the user interface. Additionally, the subsets of data-can be displayed as graphs, tables, or the like to enable analysis of account activity. The subsets of data-may be compared to historical data or otherwise analyzed. In some examples, the client devicecan generate a prediction of upcoming account activity based on the subsets of data-

The foregoing description of certain examples, including illustrated examples, has been presented only for the purpose of illustration and description and is not intended to be exhaustive or to limit the disclosure to the precise forms disclosed. Numerous modifications, adaptations, and uses thereof will be apparent to those skilled in the art without departing from the scope of the disclosure.